The ICICI Bank Rubyx Credit Card is a premium credit card offered by ICICI Bank, one of India’s leading private sector banks. It is designed to provide a wide range of benefits and rewards to cardholders, including travel privileges, lifestyle benefits, and enhanced security features.
Benefits and Features
The ICICI Bank Rubyx Credit Card offers the Mighty Rewards Plan, where you can earn Reward Points on your transactions. As part of India’s largest Reward Program, ICICI Bank Rewards, you not only earn Reward Points from using your ICICI Bank Credit Card but also earn additional points from ICICI Bank Reward Programme Partner Brands for the same purchase.
These Reward Points can be redeemed for a variety of options, including movie and travel vouchers, lifestyle products, mobiles, appliances, and more. It’s a rewarding way to make your everyday spending more enjoyable.
In addition to the rewards program, the ICICI Bank Rubyx Credit Card offers a host of benefits:
1. Welcome Vouchers: Receive Welcome Vouchers worth Rs 5000+ on shopping and travel when you pay the joining fee of the card.
2. Anniversary Rewards: Earn up to 15,000 Reward Points every anniversary year with the ICICI Bank Rubyx Credit Card.
3. Golf Privileges: Enjoy up to 2 complimentary rounds of golf every month at a golf course of your choice based on eligible spends on your ICICI Bank Rubyx Credit Card.
4. Airport Lounge Access: Get 2 complimentary lounge access per quarter at select airport lounges in India by spending a minimum of Rs 5,000 or above in a calendar quarter on your ICICI Bank Rubyx Credit Card. This facility can be availed in the next calendar quarter.
5. Movie Ticket Discounts: Avail a 25% discount up to Rs.150 on the purchase of a minimum of 2 movie tickets per transaction on BookMyShow and Inox. This offer can be availed twice a month on both platforms.
The ICICI Bank Rubyx Credit Card also prioritizes security with its embedded EMV chip, which provides additional protection against card duplication and counterfeiting. For any transaction, you need to enter a PIN to authenticate the transaction. Additionally, you can register for the 3D Secure feature on the ICICI Bank website for enhanced security during online transactions.
It’s important to review the specific terms, conditions, and eligibility criteria associated with the ICICI Bank Rubyx Credit Card and its rewards program. For the most accurate and up-to-date information, it is recommended to visit ICICI Bank’s official website or contact their customer service.
Rewards and Privileges
Here are some of the key features and benefits of the ICICI Bank Rubyx Credit Card:
1. Movie Ticket Discounts:
Get a 25% discount, up to Rs.150, on the purchase of a minimum of 2 movie tickets per transaction on BookMyShow and Inox.
This offer can be availed twice a month on both platforms.
Successful booking is on a first-come, first-serve basis and subject to daily stock availability.
2. Airport and Railway Lounge Access:
Enjoy complimentary access to select lounges at airports and railway stations in India with your ICICI Bank Rubyx Visa Credit Card.
Present your card at the lounge reception to avail the facility.
Terms and conditions apply, and for the updated list of lounges and details, please refer to the provided links.
3. Complimentary Rounds of Golf:
As a Rubyx Credit Card member, you are entitled to complimentary golf rounds/lessons.
Earn a complimentary round/lesson for every Rs.50,000 retail spend in the previous calendar month, up to 2 rounds per month.
4. Culinary Treats:
Access exclusive dining offers through the ICICI Bank Culinary Treats Programme.
Visit the provided websites for details and present your card to avail the applicable discount.
5. Concierge Services:
Enjoy 24×7 premium concierge services through i-Assist.
Services include hotel and restaurant reservations, flight and car rental bookings, gift assistance, and more.
Contact the i-Assist team through the provided toll-free or standard call numbers.
Benefit from insurance coverage, including air accident insurance of Rs.1 crore, lost card liability of Rs.50,000, and account takeover cover.
Comprehensive insurance cover includes personal accident insurance, credit shield, baggage insurance, and more.
7. Chip and PIN Security:
The credit card is equipped with an embedded microchip that provides additional security against card duplication and counterfeiting.
Transactions at merchant outlets require entering a Personal Identification Number (PIN).
No PIN is required for online transactions.
8. Fuel Surcharge Waiver:
Enjoy a 1% waiver on fuel surcharges at any fuel outlet.
It’s important to review the specific terms, conditions, and eligibility criteria associated with each benefit. For the most accurate and up-to-date information, please visit the respective websites or contact ICICI Bank’s customer service.
Fees and Charges
The ICICI Bank Rubyx Credit Card has the following fee structure:
1. Joining Fee:
– First-year annual fee: Rs 3,000 plus GST
– Upon payment of the joining fee, you receive welcome vouchers for shopping and travel worth Rs 5,000+ within 30 days.
2. Annual Fee:
– Second year onwards annual fee: Rs 2,000 plus GST
– The annual fee is waived if you spend more than Rs 3,00,000 in the previous year.
3. Finance Charges:
– Cash advance: 3.40% per month
– Overdue interest in extended credit: 3.40% per month
4. Other Charges:
– Over-limit charge: 2.50% of the over-limit amount, subject to a minimum of Rs 500
– Cash advance charge: 2.50% of the advanced amount, subject to a minimum of Rs 300
– Redemption handling fee: Rs 99
– Late payment charge: Varies based on the outstanding amount (ranges from nil to Rs 750)
– Return cheque fee: 2% of the amount due, subject to a minimum of Rs 450
– Auto-Debit return fee: 2% of the amount due, subject to a minimum of Rs 450
– Cash payment at branches fee: Rs 100 per transaction
– Outstation cheque processing fee: 1% of the cheque value, subject to a minimum of Rs 100
– Foreign currency transaction fee: 3.5% of the transacted/converted amount
– Duplicate statement: Rs 100
– Card replacement fee: Rs 100
– Charge slip fee: Rs 100 per slip
It’s important to note that fees and charges are subject to change, and it’s recommended to refer to the latest terms and conditions provided by ICICI Bank for the most accurate information.
To be eligible for the ICICI Bank Rubyx Credit Card, you need to meet the following criteria:
1. Citizenship: You must be a citizen of India.
2. Age: The primary cardholder must be at least 23 years old, while the minimum age for a supplementary cardholder is 18 years.
For salaried individuals: You should have a minimum monthly salary of Rs 50,000.
For self-employed individuals: The minimum annual income requirement is Rs 6 lakh.
Please note that meeting these eligibility criteria does not guarantee approval for the credit card. The final decision regarding your application will be at the discretion of ICICI Bank based on their internal policies and assessment of your creditworthiness.
When applying for the ICICI Bank Rubyx Credit Card, you will need to provide the following supporting documents:
1. Identity Proof: You can submit any of the following documents as proof of identity:
- PAN Card
- Aadhaar Card
- Voter’s ID
- Driving License
2. Address Proof: You can submit any of the following documents as proof of address:
- Electricity bill
- Phone bill (if it displays your address)
3. Income Proof:
- For salaried individuals: Latest salary slips or income documents such as Form 16.
- For self-employed individuals: The latest Income Tax Returns (ITR) along with computation of income.
4. Passport-sized Photograph: You will need to provide a recent passport-sized photograph as part of the application process.
Please note that these document requirements may vary based on ICICI Bank’s policies and may be subject to change. It’s recommended to refer to the bank’s official website or contact their customer support for the most up-to-date and accurate information regarding the required documents for the credit card application.
FAQs (Frequently Asked Questions) about ICICI Bank Rubyx Credit Card:
1. How can I apply for an ICICI Bank Rubyx Credit Card?
You can apply for the ICICI Bank Rubyx Credit Card through the ICICI Bank website or by visiting a branch of ICICI Bank. The application process typically involves filling out an application form, providing the required documents, and meeting the eligibility criteria.
2. What is the annual fee for the ICICI Bank Rubyx Credit Card?
The annual fee for the ICICI Bank Rubyx Credit Card is Rs 3,000 plus GST for the first year. From the second year onwards, it is Rs 2,000 plus GST. The annual fee can be waived if you spend more than Rs 3,00,000 in the previous year.
3. What are the rewards and benefits offered with the ICICI Bank Rubyx Credit Card?
The ICICI Bank Rubyx Credit Card offers various rewards and benefits such as reward points on transactions, welcome vouchers, complimentary rounds of golf, access to airport lounges, discounts on movie tickets, concierge services, insurance coverage, and more.
4. Can I get a waiver on the annual fee of the ICICI Bank Rubyx Credit Card?
Yes, the annual fee for the ICICI Bank Rubyx Credit Card can be waived if you spend more than Rs 3,00,000 in the previous year.
5. How can I redeem the reward points earned with my ICICI Bank Rubyx Credit Card?
You can redeem your reward points for a range of options, including movie and travel vouchers, lifestyle products, mobiles, appliances, and more. The redemption process can be done through the ICICI Bank Rewards portal.
The ICICI Bank Rubyx Credit Card offers a host of benefits, including reward points, access to airport lounges, golf privileges, discounts on movie tickets, concierge services, insurance coverage, and more. It is important to review the terms and conditions, fees, and eligibility criteria associated with the credit card before applying. Make sure to provide the required documents accurately and fulfill the eligibility requirements to enhance your chances of approval.